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Retirement income calculator: will I have enough?

See what your pensions could pay in today's money, and how much more you would need to save each month for the retirement you want.

Built by Tomás, Pension Numbers
Rules and rates checked on 8 October 2026. Nothing you enter is sent anywhere.

Defined contribution pensions only. Leave out final salary pensions; add their income below.

Full rate is £241.30. Check your forecast on GOV.UK.

67 for most people born from 6 March 1961.

How this calculator works

All figures are in today's money. We grow your pot at the rate you choose above inflation, so £30,000 in the result buys what £30,000 buys today.

  1. Your current pot grows each month, and your monthly payments are added, until the age you retire.
  2. Your yearly income from the pot is that pot multiplied by the withdrawal rate you pick.
  3. We add your State Pension once you reach State Pension age, and any final salary pension income.
  4. We compare the total, before tax, with the income a single person needs before tax to reach each Retirement Living Standard: £14,232 (minimum), £37,732 (moderate) and £54,720 (comfortable), using 2026/27 tax rates for England, Wales and Northern Ireland.

It ignores the 25% tax-free lump sum, which would make the money go a little further, and assumes you own your home outright. Our guide on how much you need to retire explains the targets.

Sources and assumptions

This calculator gives an estimate based on the rules shown. It is not personal financial advice. Check your own figures with your pension provider, GOV.UK or a regulated adviser before you act.

Guides that explain the rules